{"id":2172,"date":"2026-11-02T21:12:20","date_gmt":"2026-11-02T21:12:20","guid":{"rendered":"https:\/\/vivahomeloans.com\/?page_id=2172"},"modified":"2026-11-06T23:54:40","modified_gmt":"2026-11-06T23:54:40","slug":"viva-loan-programprimary-home","status":"publish","type":"page","link":"https:\/\/vivahomeloans.com\/eng\/viva-loan-programprimary-home\/","title":{"rendered":"VIVA LOAN PROGRAMPRIMARY HOME"},"content":{"rendered":"
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tVIVA LOAN PROGRAM PRIMARY HOME<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tNo Income \/ No Employment Verification<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00bfQU\u00c9 HACE DIFERENTE A ALLY?<\/h2>\n <\/div>\n\n \n
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Un programa dise\u00f1ado para ayudar a prestatarios que tienen la capacidad financiera<\/b> para comprar una propiedad, pero que no califican bajo las reglas tradicionales de documentaci\u00f3n de ingresos.<\/p>\n <\/div>\n\n \n

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\n \u2713<\/span>\n

No depende de la documentaci\u00f3n tradicional de ingresos:<\/b> alternativa para prestatarios con dificultades para calificar utilizando W-2 o declaraciones de impuestos.<\/p>\n <\/div>\n\n

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Ideal para Self-Employed:<\/b> una opci\u00f3n para trabajadores independientes y personas con ingresos dif\u00edciles de documentar.<\/p>\n <\/div>\n\n

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FICO desde 620:<\/b> puntaje m\u00ednimo de cr\u00e9dito de 620.<\/p>\n <\/div>\n\n

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Hasta 80% LTV:<\/b> disponible para prestatarios con FICO de 720 o superior.<\/p>\n <\/div>\n\n

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Sin c\u00e1lculo de DTI:<\/b> programa No Ratio para residencia principal y segunda vivienda.<\/p>\n <\/div>\n\n <\/div>\n\n<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n Desde 20% de pago inicial<\/span> para escenarios de hasta 80% LTV<\/span>\n <\/p>\n <\/div>\n <\/div>\n\n \n

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\n El pago inicial requerido puede variar seg\u00fan FICO, LTV, reservas, propiedad y dem\u00e1s requisitos del programa.\n <\/p>\n

\n MONTOS DE PR\u00c9STAMOS: $100,000 \u2013 $3,000,000<\/span>\n <\/p>\n <\/div>\n\n \n

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\u00bfQUI\u00c9NES PUEDEN CALIFICAR?<\/h3>\n <\/div>\n\n
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Ciudadanos estadounidenses<\/p>\n <\/div>\n

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Residentes permanentes<\/p>\n <\/div>\n

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Residentes no permanentes con cr\u00e9dito establecido en EE. UU.<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Visa elegible<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n \n

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TAMBI\u00c9N INCLUYE<\/h3>\n <\/div>\n\n
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\n \u2713<\/span>\n

Sin penalidad<\/b> por pago anticipado.<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Delayed Financing:<\/b> hasta 6 meses despu\u00e9s de la compra original.<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Para Cash-Out menores de $1,000,000<\/b>, las reservas requeridas pueden cubrirse con el 100% de los fondos del Cash-Out.<\/p>\n <\/div>\n

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Cash-Out disponible.<\/b><\/p>\n <\/div>\n

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Sin m\u00e1ximo de efectivo recibido en mano, sujeto a las reglas del programa.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n \n

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PROPIEDADES ELEGIBLES<\/h3>\n <\/div>\n\n
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Single Family Residence (SFR)<\/p>\n <\/div>\n

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Condominios warrantable y non-warrantable<\/p>\n <\/div>\n

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Propiedades rurales<\/p>\n <\/div>\n

\n \u2713<\/span>\n

PUD<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Propiedades de 2\u20134 unidades<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Propiedades de uso mixto<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Townhomes<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Log Homes<\/p>\n <\/div>\n

\n \u2713<\/span>\n

Casas modulares<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <\/div>\n<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/div>\n

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<\/h2>\n\t\t\n<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"

VIVA LOAN PROGRAM PRIMARY HOME No Income \/ No Employment Verification \u00bfQU\u00c9 HACE DIFERENTE A ALLY? Un programa dise\u00f1ado para ayudar a prestatarios que tienen la capacidad financiera para comprar una propiedad, pero que no califican bajo las reglas tradicionales de documentaci\u00f3n de ingresos. \u2713 No depende de la documentaci\u00f3n tradicional de ingresos: alternativa para…<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-2172","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages\/2172","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/comments?post=2172"}],"version-history":[{"count":67,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages\/2172\/revisions"}],"predecessor-version":[{"id":2783,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages\/2172\/revisions\/2783"}],"wp:attachment":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/media?parent=2172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}